If you are facing overwhelming debt and considering filing for bankruptcy, it's important to understand the different types of bankruptcy and which debts can be discharged. Chapter 7 bankruptcy is a common option for individuals looking to eliminate their debts and get a fresh start financially. However, not all debts can be discharged in Chapter 7 bankruptcy, so it's important to know which debts may still need to be repaid. In this blog post, we will explore which debts can be discharged in Chapter 7 bankruptcy and answer the common question of whether student debt can be discharged.

In Chapter 7 bankruptcy, most unsecured debts can be discharged, meaning that you are no longer legally obligated to repay them. This includes credit card debt, medical bills, personal loans, and other types of unsecured debt. Secured debts such as mortgages or car loans may also be discharged if you are willing to surrender the collateral (such as your home or vehicle). However, certain types of debt are not dischargeable in Chapter 7 bankruptcy, including child support payments, alimony payments, court-ordered restitution payments, most tax debts, and student loans.

When it comes to student loans, they are generally not dischargeable in Chapter 7 bankruptcy unless you can prove that repaying the student loan would cause an undue hardship. This is a difficult standard to meet and typically requires showing that you are unable to maintain a minimal standard of living if forced to repay the student loan. While discharging student loans in bankruptcy is rare, it is not impossible with the help of an experienced bankruptcy attorney who can assist you in making your case.

At Branch and Hurtt Law Firm, P.C., we specialize in helping Oklahoma residents navigate the complexities of bankruptcy law. Our team of skilled attorneys has extensive experience in handling Chapter 7 bankruptcies and can provide you with personalized guidance throughout the process. We understand that facing financial difficulties can be stressful and overwhelming, but we are here to help you find relief and move forward towards a brighter financial future.

If you are considering filing for Chapter 7 bankruptcy or have questions about which debts can be discharged, don't hesitate to reach out to us at Branch and Hurtt Law Firm, P.C. We offer free consultations where we can discuss your specific situation and determine the best course of action for your financial needs. Let us help you take control of your finances and start fresh with a clean slate through Chapter 7 bankruptcy.

Filing for Chapter 7 bankruptcy can offer much-needed relief from overwhelming debt, but it's important to understand which debts can be discharged in the process. While most unsecured debts are eligible for discharge in Chapter 7 bankruptcy, certain types of debt such as student loans may require additional steps to prove undue hardship for discharge. At Branch and Hurtt Law Firm, P.C., we are dedicated to assisting Oklahoma residents with their bankruptcy needs and providing them with expert legal guidance every step of the way. Don't let financial burdens hold you back – contact us today to learn more about how we can help you achieve financial freedom through Chapter 7 bankruptcy.